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One year ago, Braxton and Kaih took out a $$10,000$ home equity loan and invested the money in stocks. If the stock is sold for $$15,000,$ which of the following is true?

a$)$ The surplus on their income and expense statement decreases.

b$)$ Braxton and Kaih's net worth decreases by $$10,000.$

C$)$ Braxton and Kaih's net worth increases by $$5,000.$

d$)$ Braxton and Kaih's net worth has not changed.